Call reports 2005
LAKE COUNTRY STATE BANK — 2005
What LAKE COUNTRY STATE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 83,214,000 | 84,214,000 | 88,174,000 | 87,453,000 |
| Total loans | 55,247,000 | 57,386,000 | 56,961,000 | 56,296,000 |
| Allowance for loan losses | 636,000 | 690,000 | 665,000 | 651,000 |
| Securities available for sale | 21,398,000 | 20,227,000 | 21,997,000 | 24,467,000 |
| Securities held to maturity | 75,000 | 75,000 | 75,000 | 75,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 70,766,000 | 72,372,000 | 77,506,000 | 73,175,000 |
| Interest-bearing deposits | 61,568,000 | 63,183,000 | 68,101,000 | 64,469,000 |
| Noninterest-bearing deposits | 9,198,000 | 9,189,000 | 9,405,000 | 8,706,000 |
| Equity capital | 7,439,000 | 7,913,000 | 8,053,000 | 8,147,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,204,000 | 2,447,000 | 3,780,000 | 5,141,000 |
| Interest expense | 302,000 | 676,000 | 1,144,000 | 1,634,000 |
| Net interest income | 902,000 | 1,771,000 | 2,636,000 | 3,507,000 |
| Noninterest income | 90,000 | 181,000 | 278,000 | 393,000 |
| Noninterest expense | 687,000 | 1,368,000 | 1,983,000 | 2,564,000 |
| Provision for loan losses | 18,000 | 24,000 | 24,000 | 24,000 |
| Pretax income | 289,000 | 554,000 | 905,000 | 1,312,000 |
| Income tax | 80,000 | 155,000 | 275,000 | 347,000 |
| Net income | 209,000 | 399,000 | 630,000 | 965,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 7,507,000 | 7,697,000 | 7,928,000 | 8,263,000 |
| Total capital | 8,143,000 | 8,387,000 | 8,593,000 | 8,914,000 |
| Risk-weighted assets | 56,796,000 | 59,530,000 | 61,410,000 | 61,679,000 |